West One Loans
MI & Sourcing Manager (Mortgages)
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Also known as Mortgage Market Intelligence and Sourcing Manager
About The Role
To maximise West One’s origination through sourcing and distribution channels across Residential, Buy‑to‑Let, Second Charge, Bridging, Commercial and Development Finance — and to deliver the market intelligence that directly shapes our product, pricing and criteria decisions.
Key Responsibilities
Distribution and Sourcing
- Lead relationships with sourcing, criteria, affordability and other distribution platforms, negotiating commercial terms to drive value and reach
- Own the accuracy of West One’s products and criteria across all sourcing and criteria systems — including sign‑off controls for product loads, and logging and resolving any load errors
- Manage end‑to‑end execution of product launches, rate changes and withdrawals across all platforms, covering broker communications and go‑live timelines
- Act as business owner for distribution technology integrations including DIP APIs and pricing engines — defining requirements and collaborating with IT to deliver solutions
Market Intelligence
- Monitor competitor rates, fees and criteria across all lending lines using sourcing platform data and additional market sources
- Analyse West One’s ranking and placement by product, LTV band and channel — identifying where pricing or criteria are limiting volume
- Conduct gap analysis to understand where our products are filtered out during broker searches, recommending criteria adjustments to the Product team
- Develop data‑backed pricing and positioning recommendations to inform Product and Pricing strategy
Reporting and Governance
- Prepare regular market intelligence covering channel performance, placement share, visibility and return on investment for Product Managers and senior leadership
- Deliver distribution and customer outcomes intelligence to support target market monitoring, fair value assessments and product governance in line with the Consumer Duty
- Collaborate with Product, Compliance and IT teams to ensure new products and channels launch accurately and on schedule
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Success Measures
- Placement share and ranking on key sourcing systems by lending line
- Search‑to‑DIP and DIP‑to‑application conversion rates by channel
- Product load accuracy — zero customer‑impacting load errors
- Timely delivery of rate changes, product launches and updates
- Reliable, high‑quality market intelligence and reporting
Essential
Skills and Experience
- Experience in mortgage distribution, intermediary partnerships, pricing or market analytics within a UK lender, network or sourcing provider
- Strong knowledge of the UK mortgage and specialist lending market, including intermediary distribution models
- Understanding of pricing, placement and product positioning principles
- Advanced Excel skills, with ability to build and maintain automated reporting
- Working knowledge of sourcing and criteria systems including Twenty7tec, Iress and Mortgage Brain
- Proven commercial acumen — able to turn complex data into clear, actionable pricing and product recommendations
- Partnership management and negotiation skills, with ability to influence senior stakeholders
- Experience leading cross‑functional projects and technology initiatives
- Exceptional attention to detail
Desirable
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- Experience across specialist lending propositions including Buy‑to‑Let, Second Charge or Bridging
- Familiarity with Consumer Duty, PROD and product governance frameworks
- CeMAP or equivalent qualification
- Proactive, collaborative working style — comfortable engaging with Product, Sales, Compliance and IT teams
- Strong analytical focus with a commitment to accuracy
- Confident communicator — able to present findings and recommendations to senior audiences
Why Join Us?
At West One Loans, we’re growing fast and looking for ambitious people who want to be part of our exciting journey. We’ll give you the tools, training, and support you need to succeed, while offering clear opportunities to progress your career.
Alongside this, we offer a strong benefits package, including private medical healthcare, 25 days’ annual leave, paid volunteering days, and a host of additional benefits.
If you’re ready to build your career with a Specialist Lender and make an impact - click apply today!
At Enra we believe that working together collaboratively is the best way to serve our customers and develop our colleagues. We are very focused on developing and maintaining our culture and remaining dedicated to the CREDIT values on which Enra was built: Customers, Results, Energy, Development, Invention and Teamwork. We live and breathe these values every day and want to ensure they underpin our future success. So, if you want to build a career in specialist finance, with an employer focused on providing brilliant customer service, lending responsibly, and creating a great office environment to develop its people, then look no further than Enra.
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